Yintoni Ongayithanda Ngomhlaba Wokuqeshisa
Izinto ezininzi eziphambili ziqhube ukutshintsha oku:
- Abantu abaninzi abanelisekanga ngembuyekezo embalwa eyenziwa yi-akhawunti yabo yokulondoloza kunye notyalo-mali njengeZatifikethi zeDisposithi .
- Iminyaka emininzi yerekhodi-inzala ephantsi yenza abantu baxhamle ngokunyuka kwamanani emali, okubenza bahambe kwiimarike ezimanyeneyo . Ngenye indlela, bajonga izinto ezifana ne-estate, eziqulethe ukukhuselwa kwemali-mali.
- Abantu abaninzi banqwenela ukuhlula utyalo-mali, oku kuthetha ukufuduka ekutshatyalaliseni kuphela kwi-equity / stock market.
- Izinga lentengo ephantsi-mali kunye neendleko zezindlu zibangela ukuba abantu abaninzi baqwalasele ngokuthe ngqo ukutyalwa kwepropati yokutyalwa.
Ukuba ufuna ukungena kwiindawo zokutyalwa kwepropati, kufuneka ukwazi ukuba uvavanyo okanye ukuba akukho propati yokurenta ingeniso. Ezi zifomula ezimbini ziya kunceda.
I-Cap Rate
Okokuqala, balinganise isantya senqanaba. Le yintlawulo yokubuyisela oyenzayo kwindlu ukuba uthenge yona ngemali.
Isaphulelo se-Cap yintlawulo yemali eyahlula ngexabiso lexabiso. Umzekelo:
- Uthengela ikhaya i $ 200,000.
- Ihlawula i-$ 1,500 ngenyanga.
- Iindleko zakho (irhafu, i-inshorensi, ukuphathwa, ukulungiswa, ukugcinwa) umyinge ukuya kuma-$ 500 ngenyanga. (Khumbula, oku akubandakanyi inkokhelo nenqununu kwiintlawulo zakho, kodwa zibandakanya isamba esityelweyo seerhafu kunye ne-inshurensi.)
- "Imali engenayo yomnatha" i-$ 1,000 ngenyanga, okanye i-$ 12,000 ngonyaka.
- Isilinganiselo sakho se-cap is $ 12,000 / $ 200,000 = 0.06, okanye iipesenti ezi-6.
Ngaba iipesenti ezithandathu zibuya ngokutsha kutyalo-mali ? Oku kukuthi wenze isigqibo. Ukuba unokufumana abaqeshi abaphezulu kwiindawo ezihlala kuyo, ke iipesenti ezithandathu zibe yinto enkulu yokubuya.
Ukuba ufumana iipesenti ezithandathu kwiindawo ezinobungozi obunobungozi obuninzi, iipesenti ezithandathu zingenakulungeleka.
Umthetho owodwa
Lo ngumgaqo oqhelekileyo wesohlwayo abantu abasebenzisayo xa bavavanya indawo yokuqeshisa. Ukuba irente yentlawulo yenyanga (irenti phambi kweendleko) ilingana nepesenti enye yentengo yokuthenga, iya kubheka phambili ekutsalweni. Ukuba awenzi, baya kudlula phezu kwayo.
Ngokomzekelo, indlu eyi-200,000 yezindlu - usebenzisa le mithetho yesithupha-kuya kufuneka idalwe i-$ 2,000 ngenyanga. Ukuba ayithethi, ngoko ayihambelani noMgaqo wePescent One.
Ngaphantsi kwalo mgaqo, indlu izisa ingeniso epheleleyo yeepesenti ezili-12 zexabiso lokuthenga unyaka ngamnye. Emva kweendleko, ipropati ingazisa imali engenayo ye-6-8 ekhulwini yexabiso lokuthenga.
Oku kubhekwe ngokuphindaphindiweyo ukubuyela okulungileyo, kodwa kwakhona, kuxhomekeke kuyo yiphi indawo edolophu oye ucingayo. Iindawo zokuhlala eziqhelekileyo zivame ukuba nembuyekezo engaphantsi kwezindlu zokuhlala, ngelixa iindawo ezinokuzithengisa zihlala zibuyele eziphezulu.
Inqaku lokugqibela
Khumbula, iipesenti ezithandathu okanye iipesenti ezisibhozo (okanye nayiphina ipesenti) ayithethi kakhulu ukuba loo nzala ayiyiyo. Ukuze unike ingxelo yakho inzuzo efanayo kunye nethuba elifanayo lokukhula njengemali kwimarike yesitokisi, kuya kufuneka uvuselele iipesenti ezili-100 zemali ukwenzela ukuba ubuya bakho bube bucala .